产权保险计算器
估算房产交易中产权保险的费用。
Total Title Insurance Cost
$2,000
Total Title Insurance Cost vs Owner Policy Rate (per $1,000)
公式
## Title Insurance Explained Title insurance protects against financial loss from defects in title to real property, such as liens, encumbrances, or ownership disputes. ### Two Types of Policies - **Owner policy**: Protects the buyer for the full purchase price. One-time premium paid at closing, coverage lasts as long as you own the property. - **Lender policy**: Required by the mortgage lender, covers the loan amount. Protects the lender until the loan is paid off. ### Simultaneous Issue Discount When both policies are issued at the same time, the lender policy is significantly discounted (typically 25-40% off) because the title search has already been done. ### Rate Factors Title insurance rates vary by state, some of which regulate rates. Rates generally range from $2 to $6 per $1,000 of coverage.
计算示例
A $400,000 property with a $320,000 loan. Owner rate $3.50 per $1,000, lender rate $2.50 per $1,000, 25% simultaneous issue discount.
- 01Owner policy: $400,000 / 1,000 x $3.50 = $1,400
- 02Lender policy (full): $320,000 / 1,000 x $2.50 = $800
- 03Simultaneous discount: $800 x 25% = $200
- 04Lender policy (discounted): $800 - $200 = $600
- 05Total title insurance: $1,400 + $600 = $2,000
- 06Cost as % of property: $2,000 / $400,000 = 0.50%
常见问题
Is owner title insurance required?
Lender title insurance is required when you have a mortgage. Owner title insurance is optional but strongly recommended. It protects your equity against title defects that could cost you the property. The one-time cost is small relative to the protection.
Can I shop for title insurance?
Yes. In most states, you have the right to choose your own title company. Rates can vary by 10-30% between companies. In some states, rates are regulated and fixed, so the savings come from reduced ancillary fees.
What does title insurance cover?
Title insurance covers losses from defects existing before the policy date: forged documents, unknown liens, undisclosed heirs, recording errors, boundary disputes, and more. It does not cover issues arising after the purchase.